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  • Magazine

Protect Your Mobile Money

The mobile payments industry is expected to reach $214 billion by 2015, up substantially from the $16 billion reached in 2010, according to research firm Aite Group. Digital wallets make shopping easier and less time consuming. “With digital wallets, your phone stores secure payment information linked to a credit card or prepaid debit card as well as gift and loyalty rewards cards,” says Andrew Kameka, managing editor of Androinica.com, a mobile products website.

  • Magazine

We Must Make Our Kids’ Education Our Top Priority

Most of our kids are barely literate: 70% of all American eighth graders cannot read at their level. America’s Promise Alliance reports that a student drops out of school every 26 seconds. According to Secretary of Education Arne Duncan, 25% of our students fail to graduate on time, and the figure for African American and Latinos is a staggering 40%.

  • Magazine

Dealing With a Large Tax Bill

After De’Lante A. Rawls, 34, left his job as an insurance agent in 2002 to open his own agency, he was hit with a $7,000 tax bill because he hadn’t withheld taxes on his self-employment earnings. When he couldn’t pay the entire bill immediately, he consulted with a certified public accountant who advised him to file his return on time and arrange an installment plan with the Internal Revenue Service. “They put me on a five-year plan to pay it off,”says Rawls, now founder and managing principal of National Insurance Consulting Group in Washington, D.C. The monthly payments of $150 covered the balance plus interest and late penalties. But Rawls, determined to accelerate the payments, applied every extra cent he could and paid off the balance in 18 months.

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